Cheapest Car Insurance Quotes in Cabin John

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Cabin John Car Insurance

^$ 48

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cabin John

The car insurance rate in Cabin John is $965 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $706, making it a popular choice for budget-conscious drivers. Rates in Cabin John can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cabin John

$965

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Cabin John

1st place: Kemper

At $706 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $762 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $779 for six months, making it the third cheapest auto insurance company in Cabin John.

Cabin John Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cabin John, MD is Kemper, offering policies at just $706 for a six-month term. This is followed by USAA, which has an average six-month premium of $762.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1806 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cabin John drivers find the best deals.

Cheap Car Insurance Companies in Cabin John, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$706	$120
USAA	$762	$128
State Farm	$779	$131
Travelers	$779	$131
Nationwide	$903	$152
Erie	$931	$157
Progressive	$1061	$179
Allstate	$1806	$304

Key Takeaways

Way's key takeaways about car insurance in Cabin John

The auto insurance costs in Cabin John fall around $706 for six months.
The cheapest auto insurance company in Cabin John is USAA.
Teen drivers pay the highest rate in Cabin John at $1268 per month.

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Cheapest Minimum Liability Car Insurance in Cabin John

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cabin John are given below.

USAA provides the cheapest minimum car insurance coverage in Cabin John. Their Average 6 Month Premium is $282. Allstate is the most expensive at $988 for the same period.

Cheapest Liability Coverage in Cabin John, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$282	$48
Travelers	$390	$66
State Farm	$395	$67
Kemper	$401	$67
Erie	$418	$70
Progressive	$491	$83
Nationwide	$508	$86
Allstate	$988	$166

Cheapest Full Coverage Car Insurance in Cabin John

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cabin John is Kemper at $120 per month and $706 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cabin John, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$706	$120
USAA	$762	$128
State Farm	$779	$131
Travelers	$779	$131
Nationwide	$903	$152
Erie	$931	$157
Progressive	$1061	$179
Allstate	$1806	$304

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Average Car Insurance in Cabin John by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cabin John, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Cabin John, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cabin John's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cabin John

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$651
30s	Travelers	$555
40s	Travelers	$505
50s	Travelers	$478
60s	Travelers	$536
70s	USAA	$566

Cheapest Car Insurance Rates for Teen Drivers in Cabin John,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cabin John at $72 per month. At $7534 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$424	$72
Erie	$1100	$185
Travelers	$1286	$217
USAA	$1377	$232
State Farm	$1868	$314
Progressive	$2376	$400
Nationwide	$3566	$600
Allstate	$7534	$1268

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Cabin John.

As young drivers face the highest rates in Cabin John, Travelers offers the cheapest auto insurance rates at $651 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cabin John, USAA is the cheapest car insurance provider. At $892 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cabin John is State Farm, offering rates of around $3374 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$892	$148
Progressive	$920	$155
Nationwide	$1169	$197
Travelers	$1647	$280
Erie	$1935	$323
Allstate	$2635	$448
State Farm	$3374	$562

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Car Insurance Rates with An Accident in Cabin John

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cabin John, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cabin John

The cheapest car insurance companies after an at-fault accident in Cabin John include Erie and USAA, offering $700 and $796, respectively. Encompass is an expensive provider with an average six-month premium of $626.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$700	$118
USAA	$796	$134
Travelers	$807	$136
State Farm	$869	$146
Progressive	$1055	$178
Nationwide	$1467	$247
Allstate	$3296	$555
Encompass	$626	$105

Cabin John Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cabin John MD. For example, the car insurance in Cabin John after a DUI increases to $1072 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Cabin John auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One Med/PIP claim	$1179	$200
Not-at-fault accident	$1225	$204
One comp claim	$1230	$209
Two Med/PIP claims	$1253	$209
Failure to wear a seat belt	$1292	$219
Failure to show documents	$1326	$221
Child safety restraint	$1338	$227
Two comp claims	$1338	$223
Driving with expired registration	$1371	$233
Cell phone violation	$1388	$232
Driving too slowly	$1388	$236
Failure to stop at a red light	$1388	$232
Failure to yield	$1388	$236
Following too closely	$1388	$232
Illegal turn	$1388	$236
Improper passing	$1388	$232
Speeding 11 - 15 MPH over limit	$1388	$236
Speeding 16 - 20 MPH over limit	$1388	$232
Speeding 6 - 10 MPH over limit	$1388	$236
Texting while driving	$1388	$232
Wrong way/wrong lane	$1388	$236
Speeding in school zone	$1405	$235
At-fault accident - less than $1000	$1434	$244
Passing school bus	$1439	$239
Driving without lights	$1445	$246
Open container	$1451	$241
Operating a vehicle without permission	$1467	$250
Speeding 21 - 25 MPH over limit	$1518	$253
In 65 MPH zone	$1659	$282
At-fault accident - $1000-$2000	$1710	$285
At-fault accident - greater than $2000	$1710	$291
Reckless driving	$1952	$326
Racing	$2100	$357
Driving with a suspended license	$2133	$355
Refusal to submit to a chemical test	$2201	$374
DUI	$2212	$369
Leaving scene of an accident/hit and run	$2229	$379

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cabin John after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cabin John.

The cheapest car insurance premiums in Cabin John are offered by Erie at $599 for a six-month policy. However, it can be as expensive as $2461 with companies like Nationwide.

Cabin John car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$599	$101
Travelers	$875	$147
Progressive	$1140	$192
USAA	$1315	$221
State Farm	$1710	$288
Allstate	$1885	$317
Nationwide	$2461	$414

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cabin John are offered by State Farm at $536. However, it can be as expensive as $2303 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cabin John after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$536	$90
USAA	$610	$104
Erie	$711	$120
Progressive	$824	$139
Travelers	$1129	$188
Nationwide	$1603	$273
Allstate	$2303	$384

Car Insurance Price Trends in Cabin John, Maryland

Car insurance rates in Cabin John have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cabin John rose by $202 in December compared to $201 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Cabin John remained steady at $73 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Cabin John?

The car insurance in Cabin John is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Cabin John?

The cheapest car insurance in Cabin John is $120 per month for full coverage.

How much is car insurance in Cabin John for teenagers?

Car insurance for teenagers costs $424 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cabin John?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $162 per month to insure your car in Cabin John.

Is car insurance expensive in Cabin John?

Car insurance can be expensive in Cabin John if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cabin John can be affordable.

Cheapest Car Insurance Quotes in Cabin John

Why you can trust Way?

How Much Is Car Insurance in Cabin John

Avg. Car Insurance in Cabin John

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Cabin John

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Cabin John Car Insurance Rates by Company

Cheap Car Insurance Companies in Cabin John, MD

Way's key takeaways about car insurance in Cabin John

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cabin John

Cheapest Liability Coverage in Cabin John, MD

Cheapest Full Coverage Car Insurance in Cabin John

Cheapest Full Coverage Car Insurance Quotes in Cabin John, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cabin John by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cabin John, MD increasing?

Car Insurance Premiums by Age in Cabin John

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cabin John,MD

If you are in your twenties Travelers is the best choice for car insurance in Cabin John.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cabin John

Cheapest Car Insurance Companies after an At-Fault Accident in Cabin John

Cabin John Car Insurance Rates by Violation

Cabin John auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cabin John after a DUI

Cabin John car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cabin John after Speeding ticket

Car Insurance Price Trends in Cabin John, Maryland

Average Car Insurance Cost in Cabin John by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cabin John, MD

Car Insurance Rates by State in the USA (2025 Update)

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